#JaneFraser's tenure as Citigroup CEO has been marred by a cascade of operational blunders and cultural crises, including multimillion-dollar "fat-finger" errors and toxic leadership scandals that have eroded trust and invited regulatory scorn. However, she has vowed to accelerate her multi-year transformation through ruthless cost-cutting and strategic refocus. Research suggests her most pressing need for advancing her 2027 goal of 11-12% return on tangible common equity (RO